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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $8,182 | $81,358-89.9% | $155,556-94.7% | $80,959-89.9% |
| Participation rate | 29.2% | 66.3%-37.1pp | 78.2%-49.1pp | 67.7%-38.5pp |
| Annual return | 1.70% | 33.39%-31.7pp | 64.84%-63.1pp | 35.67%-34.0pp |
| Employer contribution / active EE | $0 | $3,106-100.0% | $4,675-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $632 | $3,455-81.7% | $5,631-88.8% | $4,300-85.3% |
| Admin fee / account holder | $507 | $7,994-93.7% | $15,885-96.8% | $6,925-92.7% |